Why Some Note Buyers Change Their Offer Before Closing (And How to Protect Yourself)

The best promissory note buyers in Texas are direct buyers who use their own capital, provide offers within 24 hours, and close 100% of accepted quotes with no broker fees or hidden costs. Direct buyers consistently pay more than brokers because there is no middleman commission reducing your proceeds. Longhorn Note Buyers, based in San Antonio, has purchased over $47 million in Texas real estate notes since 2007 and maintains a 100% close rate on accepted offers, offers free, no-obligation quotes within 24 hours — call (210) 828-3573 or visit longhornnotebuyers.com.

This guide explains how to identify a reputable direct buyer, what questions to ask before accepting an offer, and how to avoid the common pitfalls that cost note sellers money.

The Hidden Problem in the Note Buying Industry

If you hold a promissory note secured by Texas real estate, you have probably considered selling it at some point. Maybe you are tired of collecting monthly payments, or maybe you need a lump sum of cash for an important financial goal. Whatever the reason, selling your note should be a straightforward transaction. You get a quote, you accept the offer, you go through closing, and you receive your funds. Unfortunately, for many note sellers across Texas, the process does not work that smoothly. One of the most frustrating experiences a note seller can face is receiving an attractive offer from a buyer, only to have that offer reduced days or even hours before closing. This practice, sometimes called a bait-and-switch tactic, is far more common than most people realize, and it can leave sellers feeling trapped, pressured, and unsure of their options.

At Longhorn Note Buyers, we have been purchasing promissory notes in Texas since 1983. With over 42 years of experience and more than $47 million in notes purchased, we have seen every trick in the book. Our A+ BBB rating and 100 percent close rate reflect our commitment to doing business the right way. We are direct buyers who use our own capital, and our guarantee is simple: We Close What We Quote. In this article, we will explain why some note buyers change their offers before closing, how to recognize the warning signs, and what steps you can take to protect yourself from being caught in a last-minute price reduction.

Understanding Why Offers Change Before Closing

The Broker Model and Its Inherent Conflicts

To understand why offers change, you first need to understand how the note buying industry works. There are two fundamentally different types of note buyers. The first type is a direct buyer, a company or individual that uses their own capital to purchase notes. The second type is a note broker, someone who acts as a middleman between you and an actual investor. When you work with a broker, the person giving you an offer often does not have the money to close the deal themselves. Instead, they take your note details, shop it around to various investors, and try to find someone willing to buy it. The offer they give you initially may be based on their best guess of what an investor will pay, or it may be intentionally inflated to lock you in before the real investor even sees the deal.

This broker model creates a fundamental conflict of interest. The broker wants to give you a high enough offer to get you to commit, but they also need to make a profit on the spread between what the investor pays and what you receive. If the broker overestimates what an investor will pay, or if the investor comes back with a lower number after reviewing the details, the broker has to either reduce your offer or walk away from the deal entirely. In many cases, by the time this happens, you have already invested weeks or months in the process. You may have already made financial plans based on the original offer amount. You may have already declined other offers from other buyers. The broker knows this, and they know that many sellers will reluctantly accept a lower amount rather than start the process over from scratch.

Due Diligence as a Pretext for Price Reductions

One of the most common excuses note buyers use to justify a last-minute price reduction is due diligence findings. Every legitimate note purchase involves a due diligence process where the buyer reviews the documents associated with the note, verifies the property value, checks the title, and confirms the payment history. This is a normal and necessary part of any note transaction. However, some buyers use due diligence as a convenient excuse to lower their offer after you have already committed. They might claim that the property appraised for less than expected, that there is an issue with the title, that the borrower's credit score is lower than anticipated, or that the payment history shows irregularities they did not know about. In some cases, these issues are legitimate. But in many cases, an experienced buyer should have anticipated these factors before making the initial offer. A buyer who has been purchasing notes for decades knows how to evaluate a deal accurately from the start. If a buyer is consistently finding surprises during due diligence that require them to lower their offers, that is a sign of either incompetence or intentional manipulation.

Market Conditions as an Excuse

Another common justification for changing an offer is a supposed shift in market conditions. The buyer might tell you that interest rates have changed, that the real estate market in your area has softened, or that investor demand for notes has decreased since they made the original offer. While market conditions do fluctuate, they rarely change dramatically enough in a matter of weeks to justify a significant price reduction on a specific note. A note buyer who understands the Texas market should be able to make an offer that accounts for reasonable market fluctuations. If a buyer is using market conditions as a reason to lower your offer, it is worth asking whether they truly had the expertise to price your note correctly in the first place, or whether this was always part of their strategy to get you to accept a lower price.

The Investor Pulled Out

This excuse is almost exclusively used by brokers rather than direct buyers, and it is one of the most telling red flags you can encounter. When a broker tells you that their investor pulled out of the deal, what they are really telling you is that they never had the funds to close in the first place. They were relying entirely on a third party to provide the capital, and that third party decided not to move forward. Now the broker has to either find a new investor, which will likely result in a different offer amount, or they have to walk away from the deal entirely. Either way, you are left back at square one, having wasted valuable time and possibly missed other opportunities. A direct buyer who uses their own capital will never give you this excuse because there is no outside investor to pull out of the deal.

How Bait-and-Switch Tactics Work in Note Buying

The Initial Hook

The bait-and-switch in note buying follows a predictable pattern. It starts with the initial hook. You contact a note buyer or respond to their advertisement, and you provide basic information about your note. The buyer gives you a quote that seems attractive, possibly higher than quotes you have received from other buyers. This is intentional. The goal is to get you to commit to working with them and to stop shopping your note to other potential buyers. At this stage, the buyer may ask you to sign an exclusivity agreement or simply ask you to stop talking to other buyers while they complete their due diligence. Either way, the effect is the same. You are now locked into a relationship with a single buyer, and your leverage has diminished significantly.

The Delay Period

After you commit, the delay period begins. The buyer may take weeks or even months to complete their due diligence, request additional documents, schedule inspections, or complete title searches. During this time, you are waiting patiently, assuming everything is proceeding normally. What you may not realize is that the buyer is using this time to shop your note to investors, negotiate terms, or simply wait for you to become more invested in the process. The longer the process takes, the more committed you become to seeing it through. You have already invested time and emotional energy. You may have already told family members or financial advisors about the expected proceeds. Each passing week makes it harder for you to walk away if the offer changes. Understanding how long it should take to sell a note in Texas can help you recognize when a buyer is dragging their feet unnecessarily.

The Revised Offer

Finally, just before closing, the buyer presents you with a revised offer. It might be five percent less, ten percent less, or even twenty percent less than the original quote. They present it as though this is a necessary adjustment based on their findings, and they frame it as though you have only two choices: accept the lower offer or start the entire process over with a different buyer. By this point, many sellers feel trapped. They have been waiting for weeks or months. They have made financial plans. They are emotionally exhausted from the process. And so they accept the lower offer, even though it is not what they were promised. This is exactly what the buyer was counting on from the beginning.

Red Flags That Indicate a Buyer Will Change Their Offer

They Cannot Provide Proof of Funds

One of the most important questions you can ask any note buyer is whether they can provide proof of funds. A legitimate direct buyer will have their own capital available and should be able to demonstrate that they have the financial resources to close the deal. If a buyer hesitates, deflects, or refuses to provide proof of funds, it is a strong indication that they are a broker who will need to find an investor before they can close. This does not mean that all brokers are dishonest, but it does mean that working with a broker introduces an additional layer of uncertainty that can lead to offer changes. When you sell your note, you want to know that the person making the offer is the same person who will be writing the check at closing.

Their Offer Seems Too Good to Be True

If one buyer is offering you significantly more than everyone else, that should raise a red flag rather than inspire confidence. Note pricing is based on mathematical calculations involving the remaining balance, interest rate, remaining term, property value, borrower creditworthiness, and other objective factors. Experienced buyers working with the same information should arrive at reasonably similar valuations. If one buyer is offering you twenty percent more than everyone else, the most likely explanation is not that they are more generous. It is that they are inflating their offer to win your business with the intention of reducing it later. A fair, competitive offer from a reputable buyer is always better than a too-good-to-be-true offer from a buyer you cannot trust.

They Pressure You to Commit Quickly

Legitimate note buyers understand that selling a promissory note is a significant financial decision. They will give you time to consider their offer, compare it to other offers, and consult with your financial advisor or attorney if you choose. A buyer who pressures you to commit immediately, sign an exclusivity agreement right away, or stop talking to other buyers before you have had time to evaluate your options is not acting in your best interest. This urgency is often designed to prevent you from discovering that their offer is inflated. Once you have committed and stopped shopping your note, they have the leverage they need to reduce the price later.

They Are Vague About Their Process or Timeline

A reputable note buyer should be able to explain their closing process clearly, including what documents they need, how long due diligence will take, and what the expected timeline is from offer to funding. If a buyer is vague about these details, cannot give you a clear timeline, or seems to be making things up as they go, it may be because they do not actually have a well-established process. This is common with brokers who are piecing together deals on the fly, and it significantly increases the risk that your offer will change before closing. Experienced buyers like Longhorn Note Buyers have a well-defined process that we can walk you through step by step, including our day-by-day timeline from offer to funding.

They Have No Track Record or Verifiable References

Before committing to any note buyer, you should research their track record. How long have they been in business? How many notes have they purchased? Do they have reviews or testimonials from previous sellers? Are they accredited by the Better Business Bureau? A buyer with a long track record and verifiable references is far less likely to engage in bait-and-switch tactics than a newcomer or a buyer who operates in the shadows. When you are searching for a reputable note buyer, look for evidence of consistent, honest dealings over an extended period. A company that has been buying notes for over 42 years, like Longhorn Note Buyers, has built its reputation on doing what it says it will do.

How to Protect Yourself from Offer Changes

Get the Offer in Writing with Specific Terms

The first and most important step you can take is to insist on getting the offer in writing. A verbal offer, no matter how enthusiastic, is not worth the paper it is not printed on. Your written offer should include the specific purchase price, the terms of the transaction, any conditions that could affect the price, and the expected timeline for closing. If a buyer is reluctant to put their offer in writing, or if the written offer contains vague language about the price being subject to change, that is a significant warning sign. At Longhorn Note Buyers, we provide clear, written offers that specify exactly what we will pay. Our philosophy is simple. The number we quote is the number we close at.

Verify That You Are Working with a Direct Buyer

As we discussed earlier, many offer changes originate from the broker model. One of the best ways to protect yourself is to verify that the buyer you are working with is a direct buyer who uses their own capital. Ask the buyer directly whether they are a direct buyer or a broker. Ask them to provide proof of funds. Ask them whether any third-party investors are involved in the transaction. A direct buyer will be happy to answer these questions because transparency is a sign of legitimacy. Understanding the difference between broker fees and direct buyer pricing can also help you evaluate whether a particular offer is realistic.

Ask About Their Close Rate

This is a question that many note sellers never think to ask, but it can be incredibly revealing. Ask the buyer what percentage of the deals they quote actually close at the quoted price. A broker who frequently has offers fall through or get reduced might have a close rate of fifty or sixty percent. A direct buyer with a solid process and adequate capital should have a much higher close rate. At Longhorn Note Buyers, our close rate is 100 percent. We Close What We Quote. That is not just a marketing slogan. It is a commitment that reflects our 42 plus years of experience and our ability to evaluate notes accurately from the start. When we make an offer, we have already done enough preliminary analysis to be confident in our price.

Do Not Sign Exclusivity Agreements Prematurely

Some buyers will ask you to sign an exclusivity agreement early in the process, prohibiting you from shopping your note to other buyers while they complete their due diligence. While there can be legitimate reasons for exclusivity in some transactions, signing one too early can leave you vulnerable. If the buyer later reduces their offer, you may be contractually prohibited from seeking a better deal elsewhere. Before signing any exclusivity agreement, make sure you are confident in the buyer's ability and willingness to close at the quoted price. If possible, negotiate terms that allow you to exit the agreement if the buyer changes the offer by more than a small, specified percentage.

Research the Buyer Thoroughly

Before committing to any note buyer, invest time in researching their background. Check their Better Business Bureau rating and any complaints filed against them. Search for online reviews and testimonials. Verify their physical business address. Look for evidence of longevity in the industry. A company that has been buying notes for decades, like Longhorn Note Buyers with our San Antonio office at 1250 NE Interstate 410 Loop, Suite 400, has a verifiable track record you can trust. New entrants to the market or buyers who operate without a physical presence may be perfectly legitimate, but they also carry higher risk. Taking the time to verify a buyer's credentials can save you from a frustrating and costly experience.

Get Multiple Offers

One of the best ways to protect yourself is to get offers from multiple note buyers before committing to any single one. This serves several purposes. First, it gives you a realistic sense of what your note is worth. If three buyers offer you similar amounts and one offers significantly more, you know the outlier is likely inflating their number. Second, it gives you alternatives if one buyer changes their offer. Third, it creates competitive pressure that can help you negotiate the best possible price. When comparing offers, do not simply choose the highest number. Consider the buyer's reputation, their close rate, whether they are a direct buyer or broker, and their ability to provide a clear timeline and written terms.

What Makes a Reliable Note Buyer Different

Capital and Capability

A reliable note buyer has their own capital ready to deploy. They do not need to find an investor, secure financing, or piece together funds from multiple sources. This means that when they make you an offer, they have the financial capability to follow through. At Longhorn Note Buyers, we have purchased over $47 million in promissory notes since 1983, all with our own capital. When we quote a price, the funds are available to close the deal. There is no middleman, no outside investor, and no third party who might pull out at the last minute. This is one of the fundamental advantages of working with a direct buyer, and it is why our close rate is 100 percent.

Experience and Accurate Pricing

Another key difference is the ability to price notes accurately from the start. Offer changes often happen because the buyer did not have enough experience or knowledge to evaluate the note correctly in the beginning. An experienced buyer who specializes in Texas notes understands how to calculate an accurate offer based on all the relevant factors, including the remaining balance, interest rate, amortization schedule, property value, borrower payment history, and local market conditions. They do not need to revise their offer later because they got it right the first time. Nick McFadin, founder of Longhorn Note Buyers, has been buying notes since 1983. That level of experience means he has evaluated thousands of notes across every county in Texas and can assess a deal accurately without guesswork.

Texas-Specific Expertise

Texas has unique laws and regulations that affect promissory notes and real estate transactions. From Property Code Chapter 5 governing contracts for deed to the state's specific usury laws and deed of trust framework, a buyer who works exclusively in Texas understands these nuances and factors them into their initial offer. A national buyer or a broker working across multiple states may not fully appreciate these Texas-specific considerations, which can lead to surprises during due diligence and subsequent offer reductions. When you work with a Texas-only note buyer, you benefit from their deep understanding of the state's legal and real estate landscape.

Transparency Throughout the Process

Reliable note buyers are transparent about every aspect of the transaction. They explain their evaluation criteria, walk you through the due diligence process, provide clear timelines, and communicate proactively if any issues arise. They do not hide behind vague language or use due diligence as a pretext for renegotiation. At Longhorn Note Buyers, we believe that transparency builds trust, and trust is the foundation of every successful transaction. When you work with us, you know exactly what to expect at every stage, from initial offer to final funding. We explain what each document does in a Texas note sale and make sure you understand the process completely before moving forward.

The True Cost of a Changed Offer

Financial Impact

When a buyer reduces their offer before closing, the financial impact goes beyond the obvious difference in the purchase price. Consider the time you have spent on the process. If you have been working with a buyer for two or three months before they reduce their offer, that is two or three months of lost opportunity. You could have been collecting payments on your note during that time. You could have been investing the proceeds from a sale that closed promptly. You could have been earning returns on the capital that should have been in your hands weeks ago. The true cost of a changed offer includes not just the reduced price, but also the time value of money and the opportunities you missed while waiting.

Emotional and Psychological Impact

The emotional toll of a changed offer should not be underestimated. Selling a promissory note is often tied to important life events or financial needs. Maybe you are selling to fund retirement, pay off medical bills, settle a divorce, or simplify your estate. When you receive an offer and make plans based on that number, a last-minute reduction can be devastating. It creates stress, anxiety, and a feeling of helplessness. Many sellers describe feeling manipulated or deceived. Some become so frustrated with the process that they decide not to sell at all, which may not be in their best financial interest. If you are selling a note for emergency cash or to address a time-sensitive financial need, a delayed or reduced offer can have serious consequences beyond the immediate dollar amount.

The Ripple Effect on Future Decisions

A bad experience with a note buyer can affect your future financial decisions in ways you might not anticipate. Sellers who have been burned by a bait-and-switch tactic often become overly cautious about future transactions. They may delay selling their note even when it makes financial sense, or they may settle for a lower offer from a different buyer out of fear that any higher offer must be a trick. This erosion of trust in the process can cost you money in the long run. That is why it is so important to work with a buyer you can trust from the very beginning, someone with a proven track record, verifiable references, and a commitment to honoring their quotes.

Common Scenarios Where Offers Change

Notes with Complex Documentation

Notes that involve unusual documentation or non-standard terms are particularly vulnerable to offer changes. If your note was created without an attorney, if it lacks certain required provisions, or if the supporting documents are incomplete, some buyers will use these issues as leverage to reduce their offer during due diligence. An experienced buyer should ask about these factors upfront and account for them in the initial offer. At Longhorn Note Buyers, we ask detailed questions about your note from the very first conversation so that our offer reflects the actual condition of the note, not an idealized version that will need to be adjusted later. We have extensive experience working with notes that have various documentation challenges, and we factor these considerations into our initial valuation.

Notes with Late Payment History

If your borrower has a history of late payments, some buyers will initially ignore this factor to give you an attractive offer, then later use it as justification for a reduction. A borrower's payment history is one of the most important factors in determining a note's value, and any experienced buyer should address it from the beginning. When you contact Longhorn Note Buyers, we ask about the borrower's payment history as part of our initial evaluation. If there are late payments, we factor that into our offer from day one. You will never hear us say weeks later that we just discovered the borrower has been paying late.

Notes on Properties with Title Issues

Property title issues are another common excuse for offer reductions. A buyer might claim that the title search revealed liens, easements, boundary disputes, or other issues that reduce the value of the note. While title issues can genuinely affect note value, an experienced Texas note buyer should have a good sense of potential title concerns based on the county, the property type, and the circumstances of the original sale. At Longhorn Note Buyers, we conduct thorough preliminary analysis before making our offer, and we work with trusted title companies across Texas to identify potential issues early in the process. If there is a title concern that affects our valuation, we address it before we give you our number, not after. For sellers dealing with notes on properties that have liens, our upfront approach means you always know where you stand.

Notes on Unique Property Types

Notes secured by unique property types, such as rural acreage in the Hill Country, hunting land, off-grid properties, or mobile homes on land, can also be targets for offer changes. National buyers who are not familiar with the Texas land market may not know how to value these properties accurately, leading them to revise their offers during due diligence. A Texas-only buyer with decades of experience has seen every type of property the state has to offer and can provide an accurate valuation from the start. We have purchased notes on everything from small residential lots to large ranches, and our experience allows us to price these notes fairly and accurately the first time.

Questions to Ask Before Accepting Any Offer

Essential Questions for Every Note Buyer

Before you accept an offer from any note buyer, there are several questions you should ask to protect yourself. First, ask whether they are a direct buyer or a broker. This single question can tell you a great deal about the likelihood of an offer change. Second, ask them to provide proof of funds demonstrating they have the capital to close the deal. Third, ask about their close rate and specifically what percentage of their quoted offers actually close at the original price. Fourth, ask for the offer in writing, including any conditions that could affect the price. Fifth, ask for references from previous sellers who can verify that the buyer closed at the quoted price without last-minute reductions. Sixth, ask about the expected timeline and what could cause delays. Any buyer who is reluctant to answer these questions clearly and completely should be viewed with caution. A buyer who is confident in their process and reputation will welcome these questions. You can find more guidance on evaluating note buyers in our comprehensive guide to what to look for in the best Texas note buyer.

Understanding the Offer Letter

When you receive a written offer, read it carefully. Pay attention to any language that suggests the price is preliminary, estimated, or subject to change based on due diligence findings. Phrases like "approximate value," "estimated purchase price," or "subject to satisfactory due diligence" can give the buyer legal cover to reduce the offer later. A strong offer letter should state a specific purchase price and clearly outline any conditions that must be met. If the offer letter contains excessive contingency language, ask the buyer to explain each condition and what circumstances could trigger a price change. Compare this with the straightforward approach of Longhorn Note Buyers, where our quoted price is our closing price, period. Understanding how you get paid when selling your note also helps you evaluate whether an offer is structured fairly.

The Longhorn Note Buyers Difference

Our Guarantee: We Close What We Quote

At Longhorn Note Buyers, we have built our business on a simple principle: integrity. When we give you an offer, that is the price we will pay. We do not inflate our offers to win your business and then reduce them later. We do not use due diligence as an excuse to renegotiate. We do not rely on outside investors who might pull out at the last minute. Our close rate is 100 percent because we do our homework before making an offer, not after. When Nick McFadin founded this company in 1983, he established a standard that Sandy McFadin has continued since joining in 2013. That standard is simple: treat every seller with honesty, respect, and fairness. Over 42 years and more than $47 million in note purchases later, that standard has not changed.

How We Evaluate Your Note

Our ability to honor our offers starts with our evaluation process. When you contact us, we ask detailed questions about your note, including the remaining balance, interest rate, payment schedule, borrower payment history, property type and location, and the condition of your documentation. We use this information, combined with our extensive knowledge of Texas real estate markets and our proprietary valuation methods, to calculate a fair and accurate offer. We do not guess. We do not estimate. We evaluate each note thoroughly and provide a price that reflects its true value. That is why our offers do not change, because they are based on a thorough analysis from the very beginning. You can learn more about how note buyers calculate offers to understand the factors that influence your note's value.

Why Longhorn Note Buyers

With over 42 years of experience and more than $47 million in Texas notes purchased, Longhorn Note Buyers stands apart in the industry. Founded by Nick McFadin in 1983 and co-led by Sandy McFadin since 2013, our company has earned an A+ BBB rating and a 100 percent close rate. We are direct buyers who use our own capital, which means there are no brokers, no commissions, and no outside investors involved in your transaction. When we say We Close What We Quote, we mean it. Every offer we make is backed by our capital, our experience, and our reputation. We work exclusively in Texas, which means we bring unmatched knowledge of Texas property law, county-specific requirements, and local market conditions to every transaction. When you work with Longhorn Note Buyers, you work with a company that has earned the trust of note sellers across the state for more than four decades.

Get Your Cash Offer Today

If you hold a promissory note secured by Texas real estate and you want an honest, reliable offer from a buyer you can trust, contact Longhorn Note Buyers today. Call us at (210) 828-3573 or email sandy@longhornnotebuyers.com to receive a cash offer within 24 hours with no obligation. Do not risk working with a buyer who might change their offer before closing. Work with the company that has been closing deals at the quoted price for over 42 years!

Frequently Asked Questions

Why do some note buyers lower their offer before closing?

There are several reasons why note buyers lower their offers. Brokers who do not use their own capital often inflate initial offers to win your business, then reduce them when their investor provides a lower number. Some buyers use due diligence findings as a pretext for renegotiation, even when the issues they cite were foreseeable. Others may lack the experience to price notes accurately from the start, leading to adjustments later. To protect yourself, work with a direct buyer who has their own capital, a verifiable track record, and a high close rate. Longhorn Note Buyers has a 100 percent close rate because we evaluate notes thoroughly before making our offer and never change our quoted price.

How can I tell if a note buyer is a direct buyer or a broker?

Ask the buyer directly whether they use their own funds to purchase notes or whether they work with outside investors. Request proof of funds showing they have the capital available. A direct buyer will be transparent about their funding source and happy to provide verification. Brokers, on the other hand, may be evasive about this question or explain that they work with a network of investors. You can also check how long the buyer has been in business and how many notes they have purchased. A company like Longhorn Note Buyers, which has been purchasing notes with its own capital since 1983 and has bought over $47 million in notes, is clearly a direct buyer with the resources to close.

What should I do if a note buyer tries to change their offer at the last minute?

If a note buyer attempts to reduce their offer before closing, you have several options. First, ask for a detailed, written explanation of why the offer has changed. Second, evaluate whether the stated reason is legitimate or a negotiating tactic. Third, consider whether you have other options, including selling to a different buyer. Do not feel pressured to accept a lower offer simply because you have already invested time in the process. It is better to walk away and find a trustworthy buyer than to accept a price that does not reflect the true value of your note. Contact Longhorn Note Buyers for a fair, no-obligation offer that will not change before closing.

Does Longhorn Note Buyers ever change their offers?

No. Longhorn Note Buyers has a 100 percent close rate, which means every deal we quote closes at the quoted price. Our guarantee is We Close What We Quote, and we have upheld that commitment for over 42 years. We are able to do this because we conduct a thorough evaluation of every note before making our offer. We use our own capital, so there is no outside investor who might back out. Our experience in the Texas note market allows us to price notes accurately from the start, eliminating the need for later adjustments. When you receive an offer from Longhorn Note Buyers, you can plan your finances with confidence knowing that the number will not change. Learn more about our We Close What We Quote guarantee.

How quickly can Longhorn Note Buyers provide an offer?

We provide cash offers within 24 hours of receiving your note details. Our process is efficient because we have over four decades of experience evaluating Texas notes and we do not need to shop your note to outside investors. Simply call us at (210) 828-3573 or email sandy@longhornnotebuyers.com with information about your note, and we will provide a fair, written offer within one business day. There is no cost and no obligation. You can also review our step-by-step guide to selling a note in Texas to understand the full process from start to finish.